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All Journal Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Economics and Finance in Indonesia
Yusman Syaukat
Faculty of Economics and Management, IPB University
Economics, Econometrics & Finance

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Business Vulnerability and Credit Access for Agriculture-Based Micro and Small Women Entrepreneurs Dewi Ratna Sjari Martokoesoemo; Bonar M. Sinaga; Nunung Kusnadi; Yusman Syaukat
Economics and Finance in Indonesia Volume 66, Number 2, December 2020
Publisher : Institute for Economic and Social Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (181.359 KB) | DOI: 10.47291/efi.v66i2.666

Abstract

Micro and Small Industries (MSIs) constitute the largest share of Indonesia’s manufacturing sector and play an important role in providing employment opportunities and value-added creation. However, their business sustainability and scaling up are often hindered by various factors, one of which is access to credit. The subsidized loan scheme provided by the government, namely People’s Business Credit (KUR), appears to be insufficiently attractive to entrepreneurs, especially to Micro and Small Women Entrepreneurs (MSWEs). Employing a logit regression method and utilizing the BPS-Statistics Indonesia’s 2015 MSI survey data, this study aims to investigate factors affecting MSWEs’ decision to apply for bank loans and factors contributing to the approval of their credit applications by banks. The results show that MSWEs have low participation in credit borrowing, partially due to business vulnerability and self-rationing attitude, while credit application rejection is caused mainly by banks’ conservative approach to MSWEs. Practical implications of the findings are discussed.
Sustainable Development of Indonesia’s Land Border Areas; Overview from an Economic Perspective Dian Anggraeny Rahim; Dominicus Savio Priyarsono; Ernan Rustiadi; Yusman Syaukat
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 24, No 1 (2023): JEP 2023
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v24i1.20387

Abstract

The development of land border areas is continuously inevitable, so the government annually rolls out programs and policies. The sustainability of this development is expected to make the border area a center of economic growth, have a multiplier effect on the surrounding area, reduce poverty and backwash the economy, attract investment, and improve the country's income. In comparison, eliminates problems in the land border area, such as low indicators of development performance and regional isolation. This research was conducted in provinces with land border areas, namely West Kalimantan, East Kalimantan, North Kalimantan, East Nusa Tenggara, and Papua. Observations were made from 2015 – 2020 using secondary data sourced from the Central Bureau of Statistic. The research method used Principal Component Analysis to reduce thirteen to six variables of government programs supporting development performance in border areas. The reduced factors then used as variables in the Data Regression Panel to find out what programs affecting gross domestic product, poverty, and human development index in Indonesia's land border areas. The fifth variables are investment, health, agriculture, road infrastructure and markets and transportation. All variables have a significant effect on poverty and human development index, but not gross domestic product. This result shows a government economic strategy for developing sustainable land border areas.
Co-Authors Bonar M. Sinaga Dian Anggraeny Rahim Dominicus Savio Priyarsono Ernan Rustiadi Martokoesoemo, Dewi Ratna Sjari Nunung Kusnadi